SOA attached help needed please, want to submit Friday... Thanks in advance

Worried3648

Hi all,
So I have finally received my workplace pension statement and have finished my application form ready to submit..
Please can I have some advice on my SOA I went through these with step change a while ago and they said food is a little high, we do generally spend more than most of these amounts, without living extravagantly. Obviously there is no guidance published with max allowances, Did I miss anything I can add to this? Thanks in advance

SOA:
1 Adult 2 children household
IN:
Wage: £732.09
Benefits (Include working tax credits,Child tax credits,Child benefit,housing benefit) £381.35
Child maintenance £350.00
TOTAL IN:

OUT:
Rent: £320.00
Bldgs and contents insurance £12.00
TV licence: £13.29
Council tax: £90.00
Gas and Elec: £110.00
Water: £36.00
Pet insurance £52.00 (2 pets pre existing conditions) 
Opticians: £9.00
vet bills: £15.50 (yearly booster and health check)
Food: £360.00 (feel this a is a little low, we have gluten and dairy intolerance, step change said this amount is too high and we definately spend more)
Toiletries: £40.00
Alcohol: £10.00
Transport and travel: 
veh ins: £52.67
mot and main: £40.00
fuel and tolls £180.00
tax: £12.50
C/care: £220.00
School uniform £350.00 
After school clubs and trips: £20.00 (again I feel this is low)
pocket money £40.00
clothing and footwear: £70.00
Hair dressing: £35.00
phone,internet,tv: £48.00
hobbies,leisure,sport £70.00
newspaper,magazines,stationary £15.00
gifts: £30.00
emergencies £30.00
holidays: £30.00


Thanks

luvchocolate

You need to post your SOA  up for us to look at but you won't be servicing and debt as that will be included in the BR

Worried3648

luvchocolate said:

You need to post your SOA  up for us to look at but you won't be servicing and debt as that will be included in the BR

Thanks shall I put that on a separate post?

luvchocolate

No put in on here..keep everything together 

sourcrates

Anything over £20 disposable income would normally attract an IPA, so with £600 disposable income, I would say its very likely you will get one.
Just make sure you budget correctly, better to inflate the figures rather than miss out, the OR will reduce them if over inflated.